Compare Savings Rates in Washington – March 2026Current Washington Savings Rates and MMA RatesFor those in Washington, Responders Emergency Services Credit Union lists a Savings Account at 12.00%. Whatcom Educational Credit Union has a First Step (Youth) Savings available at 7.00% APY (min deposit $1). Current rates from Alaska Air Group Federal Credit Union include a Youth Savings at 6.14% APY. Red Canoe Credit Union has a Round Up Savings available at 6.00% APY (min deposit $0). Find the best savings and money market rates in Washington today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in WA, comparing APYs is the best way to maximize your interest earnings. The following rates reflect recent market quotes and representative offers available to Washington depositors. Actual savings rates may vary by financial institution and market conditions.
Last Updated and Verified: March 5, 2026
Savings Rates in Washington and Area
Rates shown are recent market averages and representative quotes. Actual rates may vary.
Last Updated and Verified: March 5, 2026
Best Washington and Area Savings Rates & Money Market RatesBank / Credit Union
Product
APY
Min Deposit
Responders Emergency Services Credit Union Spokane, WA
Savings Account
12.00%
$0
▼
Rate 12.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Dividends Paid Monthly; Maximum Balance $1,200
Whatcom Educational Credit Union Sedro Woolley, WA
First Step (Youth) Savings
7.00%
$1
▼
Rate 7.00%
Min Deposit $1
Last Updated 03/05/2026
Details
on first $500
Alaska Air Group Federal Credit Union SEATAC, WA
Youth Savings
6.14%
$0
▼
Rate 6.14%
Min Deposit $0
Last Updated 03/05/2026
Details
Red Canoe Credit Union Woodland, WA
Round Up Savings
6.00%
$0
▼
Rate 6.00%
Min Deposit $0
Last Updated 03/05/2026
Details
$0 - $1,000
Whatcom Educational Credit Union Sedro Woolley, WA
Stash (Emergency) Savings
6.00%
$1
▼
Rate 6.00%
Min Deposit $1
Last Updated 03/05/2026
Details
on first $2500
Peoples Bank (WA) Wenatchee, WA
Youth Savings Balances up to & including
5.50%
$0
▼
Rate 5.50%
Min Deposit $0
Last Updated 03/05/2026
Details
$1,000
Connection Credit Union Silverdale, WA
Youth Money Market
5.12%
$1
▼
Rate 5.12%
Min Deposit $1
Last Updated 03/05/2026
Details
Spokane Teachers Credit Union Walla Walla, WA
First5 Savings
5.10%
$0
▼
Rate 5.10%
Min Deposit $0
Last Updated 03/05/2026
Details
Balances above $500 earn 0.25% APY. Rate is subject to change and may change after the account is opened. STCU membership is required to open account and fees may reduce earnings. One First5 Savings Account per person.
Gesa Credit Union Yakima, WA
Explorer Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
On the first $0 - $500 balance.?
Spokane City Credit Union Spokane, WA
NexGen Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
NexGen Savings will earn 5.0% APY on the first $1,000. Balances above $1,000 will earn our regular savings rate.
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here. Methodology & Data SourcesDirect-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Washington directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy. Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Washington. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in WA. Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.
Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Washington.
It is always advisable to check with the specific financial institution's official website for the most current offers and terms.
Last Updated and Verified: March 5, 2026
How to Find the Best Savings Account in Washington
Frequently Asked Questions for Washington
What are the current savings rates in Washington and the surrounding area ▼
Below is a list of current savings and money market rates available for Washington. We track lenders daily to provide the most up-to-date APY and term information.
Lender / Product APY Min Dep Responders Emergency Services Credit Union
Savings Account
12.00%
$0
Whatcom Educational Credit Union
First Step (Youth) Savings
7.00%
$1
Alaska Air Group Federal Credit Union
Youth Savings
6.14%
$0
Red Canoe Credit Union
Round Up Savings
6.00%
$0
Whatcom Educational Credit Union
Stash (Emergency) Savings
6.00%
$1
Lender / Product APY Min Dep Peoples Bank (WA)
Youth Savings Balances up to & including
5.50%
$0
Connection Credit Union
Youth Money Market
5.12%
$1
Spokane Teachers Credit Union
First5 Savings
5.10%
$0
Gesa Credit Union
Explorer Savings
5.00%
$0
Spokane City Credit Union
NexGen Savings
5.00%
$0
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account? ▼
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe? ▼
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime? ▼
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change? ▼
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.
Cities in WashingtonAberdeen
Acme
Addy
Adna
Airway Heights
Albion
Allyn
Almira
Amanda Park
Amboy
Anacortes
Anatone
Anderson Island
Appleton
Ardenvoir
Ariel
Arlington
Ashford
Asotin
Auburn
Bainbridge Island
Baring
Battle Ground
Bay Center
Beaver
Belfair
Bellevue
Bellingham
Belmont
Benge
Benton City
Beverly
Bickleton
Bingen
Black Diamond
Blaine
Blakely Island
Bothell
Bow
Boyds
Bremerton
Brewster
Bridgeport
Brinnon
Brownstown
Brush Prairie
Buckley
Bucoda
Buena
Burbank
Burley
Burlington
Burton
Camano
Camas
Camp Murray
Carbonado
Carlsborg
Carlton
Carnation
Carrolls
Carson
Cashmere
Castle Rock
Cathlamet
Centerville
Centralia
Chattaroy
Chehalis
Chelan
Chelan Falls
Cheney
Chewelah
Chimacum
Chinook
Cinebar
Clallam Bay
Clarkston
Clayton
Cle Elum
Clearlake
Clinton
Colbert
Colfax
College Place
Colton
Colville
Conconully
Concrete
Connell
Conway
Copalis Beach
Copalis Crossing
Cosmopolis
Cougar
Coulee City
Coulee Dam
Coupeville
Cowiche
Creston
Cunningham
Curlew
Curtis
Cusick
Custer
Dallesport
Danville
Darrington
Davenport
Dayton
Deer Harbor
Deer Park
Deming
Desert Aire
Dixie
Doty
Dryden
Dupont
Duvall
East Olympia
East Wenatchee
Easton
Eastsound
Eatonville
Edmonds
Edwall
Elbe
Electric City
Elk
Ellensburg
Elma
Elmer City
Eltopia
Endicott
Entiat
Enumclaw
Ephrata
Ethel
Evans
Everett
Everson
Fairchild Air Force Base
Fairfield
Fall City
Federal Way
Ferndale
Ford
Forks
Four Lakes
Fox Island
Freeland
Freeman
Friday Harbor
Fruitland
Galvin
Garfield
George
Gifford
Gig Harbor
Glenoma
Glenwood
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Goldendale
Goose Prairie
Graham
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Grandview
Granger
Granite Falls
Grapeview
Grayland
Grays River
Greenacres
Greenbank
Hamilton
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Harrah
Harrington
Hartline
Hatton
Hay
Hazel Dell North
Heisson
Hobart
Hoodsport
Hooper
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Husum
Ilwaco
Inchelium
Index
Indianola
Ione
Issaquah
Joyce
Kahlotus
Kalama
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Keller
Kelso
Kenmore
Kennewick
Kent
Kettle Falls
Keyport
Kingston
Kirkland
Kittitas
Klickitat
La Center
La Conner
La Grande
La Push
Lacey
Lacrosse
Lake Stevens
Lakebay
Lakewood
Lamona
Lamont
Langley
Latah
Laurier
Leavenworth
Lebam
Liberty Lake
Lilliwaup
Lincoln
Lind
Littlerock
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Longbranch
Longmire
Longview
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Loon Lake
Lopez Island
Lummi Island
Lyle
Lyman
Lynden
Lynnwood
Mabton
Malaga
Malden
Malo
Malone
Malott
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Mansfield
Manson
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Maple Valley
Marblemount
Marcus
Marlin
Marshall
Marysville
Matlock
Mattawa
Mazama
Mccleary
Mckenna
Mead
Medical Lake
Medina
Menlo
Mercer Island
Mesa
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Metaline Falls
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Mica
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Monitor
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Mossyrock
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Mukilteo
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Northport
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Omak
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Orient
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Orting
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Pe Ell
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Pomeroy
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Port Hadlock
Port Ludlow
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Port Townsend
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Prescott
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Prosser
Pullman
Puyallup
Quilcene
Quinault
Quincy
Rainier
Randle
Ravensdale
Raymond
Reardan
Redmond
Redondo
Renton
Republic
Retsil
Rice
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Rochester
Rock Island
Rockford
Rockport
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Ronald
Roosevelt
Rosalia
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Roslyn
Roy
Royal City
Ryderwood
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Salkum
Sammamish
Satsop
Seabeck
Seahurst
Seattle
Seaview
Sedro Woolley
Sekiu
Selah
Sequim
Shaw Island
Shelton
Shoreline
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Silver Creek
Silverdale
Silverlake
Skamokawa
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Snohomish
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Snoqualmie Pass
Soap Lake
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South Prairie
Southworth
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Spangle
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Sprague
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Stanwood
Starbuck
Startup
Stehekin
Steilacoom
Steptoe
Stevenson
Stratford
Sultan
Sumas
Sumner
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Suquamish
Tacoma
Taholah
Tahuya
Tekoa
Tenino
Thornton
Thorp
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Tokeland
Toledo
Tonasket
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Toutle
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Trout Lake
Tumtum
Tumwater
Twisp
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Union
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Usk
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Valley
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Wenatchee
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Westport
White Salmon
White Swan
Wilbur
Wilkeson
Wilson Creek
Winlock
Winthrop
Wishram
Woodinville
Woodland
Yacolt
Yakima
Yelm
Zillah
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